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Re: Fineract CN Functional Spec for Group Lending Support


Hi all,

I wanted to bump this thread to the top once more as it's critical part of
the journey to parity and I was hoping for some input from partners and
users in our community who have been focused on these methodologies for
better of the past decade. Ashok and Nayan will soon be providing some
feedback on this thread.

I also have a product management volunteer, Tancred, who is willing to jump
on some calls with folks and document your requirements and consolidate
requirements from the previous two generations of software along with the
needs of other group-based methodologies all in the context of the new
Fineract CN architecture. Getting a clear spec in space is critical for
equipping any future contributors/interns to work on such projects. I've
cc'd Tancred on this email.

As we seek to come to consensus of how we can extract the strengths of
Fineract 1.x and its support of group-based operations and layer on them
greater flexibility and benefits of the new architecture, we'll consider
some of the following questions:

*Group FormationAdministration*
- Formation of the Group
- Existence within the Center Hierarchy
- Group Details Tracking (Officers, Attendance, Training, etc)
- Transfers/Interactions of Clients Across Groups
- Clients belonging to one or multiple groups.
- Permission of Loan Officers/Data Scoping Related to Groups
- Assigning of Loan Officers to Groups.

*Calendar/Meeting*
- At what level is this tracked - what activities can occur during a
meeting, how interlinked to repayment schedule is the meeting, etc.
- Collection Sheet Functionality - Generating collection sheet report and
bulk entry interface for group/center data

*Accounting at Group Level*
- Here is where we had the biggest gap between support for joint liability
group lending and what was needing for savings groups to allow for
bookkeeping and settlement at the group level.

*Loan Product Management*
- Just as we've done with Fineract 1.x - all loan parameterization that is
available to an individual loan should be available at a group loan level
as well. Likewise, charges, collateral tracking, guarantors should all
function similarly for group as it does individuals.
- Likewise for deposit product management, I would assume a group or center
is just another entity that you could then attach savings or deposit
account too.

*Monitoring at Account Level *
- This is where we get into the distinctions between the various forms of
group loans in this wiki page (https://mifosforge.jira.com/
wiki/spaces/MIFOSX/pages/31358990/Loan+Tracking+strategies) and where
complexity and confusion comes in - at what level of tracking is done, loan
at group or individual level, co-liability amongst borrowers/group members,
are individual amounts different, is there a repayment schedule at an
individual or group level, does the loan get counted in the loan cycle
counter/go into their credit history, etc.
- At what level do repayments occur - for integrations with mobile money,
this is an important distinction to make.
- Loan Cycle Counter & Linkage to Graduation



On Fri, Mar 9, 2018 at 3:51 PM, Ed Cable <edcable@xxxxxxxxx> wrote:

> Hello all,
>
> I want to put this out to the community to assist with so we can move
> forward with implementing group lending support on Fineract CN which is one
> of the key paths forward with parity between Fineract CN and Fineract 1.x.
>
> Can you please help draft the spec for group-based operational
> methodologies
> <https://cwiki.apache.org/confluence/display/FINERACT/Group-Based+Financial+Inclusion+Methodologies>
> ?
>
> It's also a barrier for students who are applying to a potential GSOC
> project around a web UI for group lending support.
>
> We have more than a decade of learning and knowledge of implementing
> proper group lending support from our original gen 1 software (Mifos 2.x)
> and our gen 2 software (Mifos X/Fineract 1.x) so I don't want us to throw
> away all that knowledge and think we have to completely re-invent the wheel.
>
> However I do want us take the learnings we implemented from the transition
> to Gen 1 to Gen 2 as well as the learnings/improvements we want to make off
> of Gen 2. We also want to bear in mind not just support traditional
> JLGs/Solidarity groups but also Savings Groups, Village Banking, Self Help
> Groups, etc.
>
> I know that across the community we have both technical as well as
> operational individuals who are experts in these matters so I really want
> to challenge you all to assist the community in this regard. To get
> everyone started, I'm putting in place a wiki page at
> https://cwiki.apache.org/confluence/display/FINERACT/
> Group-Based+Financial+Inclusion+Methodologies to house the spec and also
> linking to all the past specs/pseudo-requirements documents from before.
>
> Generation 1 - Mifos 2.x
>
>    - Group Accounts FS: http://mifosx.openmf.org/
>    Mifos%20website/mifos.org/functional-specifications/
>    account-management/group-accounts.html
>    <http://mifosx.openmf.org/Mifos%20website/mifos.org/functional-specifications/account-management/group-accounts.html>
>    or https://mifosforge.jira.com/wiki/spaces/MIFOS/pages/73466196/
>    Group+Accounts
>    - Center Accounts FS: http://mifosx.openmf.org/
>    Mifos%20website/mifos.org/functional-specifications/
>    account-management/center-accounts.html
>    <http://mifosx.openmf.org/Mifos%20website/mifos.org/functional-specifications/account-management/center-accounts.html>
>    - GLIM: https://mifosforge.jira.com/wiki/spaces/MIFOS/pages/
>    4456859/GLIM+Functional+Specification
>    <https://mifosforge.jira.com/wiki/spaces/MIFOS/pages/4456859/GLIM+Functional+Specification>
>    and https://mifosforge.jira.com/wiki/spaces/MIFOS/pages/4456866/
>    Group+loan+with+individual+monitoring
>    <https://mifosforge.jira.com/wiki/spaces/MIFOS/pages/4456866/Group+loan+with+individual+monitoring>
>    - Loans: https://mifosforge.jira.com/wiki/spaces/MIFOS/
>    pages/7700948/Loans
>
>
> Generation 2 - Mifos X
>
>    - Groups API: https://demo.openmf.org/api-docs/apiLive.htm#groups
>    - Groups & Centers User Manual: https://mifosforge.
>    jira.com/wiki/spaces/docs/pages/52035634/Clients+Groups+and+Centers
>    <https://mifosforge.jira.com/wiki/spaces/docs/pages/52035634/Clients+Groups+and+Centers>
>    - Loan Tracking Strategies: https://mifosforge.jira.com/wiki/
>    spaces/MIFOSX/pages/31358990/Loan+Tracking+strategies
>    <https://mifosforge.jira.com/wiki/spaces/MIFOSX/pages/31358990/Loan+Tracking+strategies>
>    - Group Loan FS (early-stage): https://mifosforge.jira.com/wiki/
>    spaces/MIFOS/pages/28213252/New+Group+Loan+Functional+Specification
>    <https://mifosforge.jira.com/wiki/spaces/MIFOS/pages/28213252/New+Group+Loan+Functional+Specification>
>    and https://mifosforge.jira.com/wiki/spaces/MIFOSX/pages/25821209/
>    Group+Lending+MifosX+FS
>    - Self-Funded Groups: https://mifosforge.jira.com/wiki/spaces/MIFOSX/
>    pages/113017056/Self-Funded+Groups+SHGs+Savings+Groups+VSLAs
>    <https://mifosforge.jira.com/wiki/spaces/MIFOSX/pages/113017056/Self-Funded+Groups+SHGs+Savings+Groups+VSLAs>
>       - Savings Groups per DreamStart Labs Requirements (Design for
>       Fineract Data Model)
>          - Savings Requirements v1.1
>          <https://cwiki.apache.org/confluence/download/attachments/75975654/Mifos_SG_Reqs_v1.1_edits.docx?version=1&modificationDate=1520639290346&api=v2>Savings
>          Groups Requirements v1.1 Dreamstart Labs
>          <https://cwiki.apache.org/confluence/download/attachments/75975654/Mifos_SG_Reqs_v1.1_edits.docx?version=1&modificationDate=1520639290346&api=v2>
>           Labs
>          <https://cwiki.apache.org/confluence/download/attachments/75975654/Mifos_SG_Reqs_v1.1_edits.docx?version=1&modificationDate=1520639290346&api=v2>
>          - Savings Groups User Stories
>          <https://cwiki.apache.org/confluence/download/attachments/75975654/SHG_UserStories_Design.docx?version=1&modificationDate=1520639343727&api=v2>
>          - Savings Groups Estimates
>          <https://cwiki.apache.org/confluence/download/attachments/75975654/SHG%20Estimates.xlsx?version=1&modificationDate=1520639352132&api=v2>
>
>
> Ed
>
> --
> *Ed Cable*
> President/CEO, Mifos Initiative
> edcable@xxxxxxxxx | Skype: edcable | Mobile: +1.484.477.8649
>
> *Collectively Creating a World of 3 Billion Maries | *http://mifos.org
> <http://facebook.com/mifos>  <http://www.twitter.com/mifos>
>
>


-- 
*Ed Cable*
President/CEO, Mifos Initiative
edcable@xxxxxxxxx | Skype: edcable | Mobile: +1.484.477.8649

*Collectively Creating a World of 3 Billion Maries | *http://mifos.org
<http://facebook.com/mifos>  <http://www.twitter.com/mifos>